Heffernan Insurance Brokers vs 
HUB International: How Do They Compare for Crime Insurance?
Heffernan Insurance Brokers arranges crime within packages for home care, hospice and related providers and names practice leaders as contacts; HUB International brokers crime for private, public and not-for-profit organizations and cites fraud statistics.
Heffernan fits home-care, home-health and hospice agencies seeking third-party theft cover in a package; HUB serves private, public and nonprofit organizations and lists vendor theft, forgery and funds-transfer fraud. 1,2
What Are the Key Differences Between Heffernan Insurance Brokers and HUB International Crime Insurance?
If you do not operate a home-care, home-health or hospice business, Heffernan’s reviewed pages do not describe a crime offer for you. HUB’s stated buyer categories are broader and include public and nonprofit organizations. 1 2
Home-Care Package Line Versus HUB Crime Brokerage
Heffernan arranges crime listed as Crime – Third Party Theft as part of insurance packages for home care, home health and hospice businesses; the reviewed sources do not describe a general commercial crime offering outside home care. HUB brokers commercial crime insurance rather than underwriting it, and its crime page does not name an issuing insurer. Heffernan’s home-care page also does not name the insurer for crime or employee dishonesty. 1 2
Third-Party Theft Versus the Perils HUB Lists
Heffernan lists Crime – Third Party Theft and a separate Employee Dishonesty Bond among home-care package coverages, alongside workers’ compensation, general and professional liability, and cyber and identity-theft coverage. HUB lists employee theft, vendor theft, forgery, asset misappropriation, computer fraud and funds-transfer fraud as crime types it arranges. HUB cites industry statistics that organizations lose about 5% of revenue to fraud each year as context for buying crime cover. 1 2
What Should You Confirm in Heffernan Insurance Brokers and HUB International Crime Insurance Quotes?
- Confirm whether you need Heffernan’s home-care third-party theft and employee dishonesty bond or a HUB-placed commercial crime policy. 1 2
- Ask Heffernan for crime and bond limits separate from overall package cost ranges. 1
- Ask HUB whether vendor theft and funds-transfer fraud are on the proposed form. 2
- Get the writing company from both. 1 2
Heffernan Insurance Brokers vs HUB International Crime Compared
Heffernan Insurance Brokers vs HUB International: Crime Insurance: documented features by provider
| Criteria | Heffernan Home Care Crime Insurance | HUB International Crime Insurance Brokerage |
|---|---|---|
| Who It’s For | Heffernan markets this crime coverage to home health care and in-home health care providers, hospices, staffing agencies and registries, infusion therapy providers and personal care assistants, and says its home care programs cover all states and agency sizes. 1Company-reported. Home Care Business Insurance page's client-type and coverage-area descriptions; 'all states' is a company statement, not independently verified state-by-state licensing. | HUB says crime coverage is available for private, public and not-for-profit organizations. 2Company-reported. Product-page organization-type list; not a published underwriting appetite by size or industry. |
| How to Apply | Heffernan tells home care businesses to begin the insurance application process at least 30 days before working with clients and to contact Heffernan for a free rate quote, since rates vary by state. 1Company-reported. Home Care Business Insurance page's cost-and-timing section. | HUB directs prospects to connect with a broker through its business-insurance contact page; no online quote flow is described. 2Company-reported. Product-page call to action as read 2026-09-23. |
| Coverage Features | Heffernan lists 'Crime – Third Party Theft' and a separate 'Employee Dishonesty Bond' among the coverages in its home care package, alongside workers' compensation, general and professional liability, and cyber and identity theft coverage. 1Company-reported. Home Care Business Insurance page's coverage list; specific insuring agreements, exclusions and endorsements for the crime coverage are not published there. | HUB lists crime coverage types it arranges as employee theft, vendor theft, forgery, asset misappropriation, computer fraud and funds transfer fraud. 2Company-reported. Product-page coverage list; the issued policy and its exclusions control an actual claim. HUB cites industry statistics that organizations lose about 5% of revenue to fraud each year, that fraud often takes about 18 months to detect, and that more than 23% of fraud cases result in losses of $1 million or more, to frame the need for crime coverage. 2Company-reported. Product-page statistics are company-cited figures, not independently verified by us, and are general fraud statistics rather than HUB-specific claims data. |
| Role in This Line | Heffernan arranges crime coverage, listed on its site as 'Crime – Third Party Theft,' as part of the insurance packages it builds for home care, home health and hospice businesses. This record only documents crime coverage in that home-care context; the reviewed sources do not describe a general commercial crime offering outside home care. 1Company-reported. Home Care Business Insurance page's coverage list. | HUB brokers commercial crime insurance rather than underwriting the coverage itself. 2Company-reported. Crime insurance product page as read 2026-09-23; the page does not name an issuing insurer. |
